1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER dated as of May 17, 1999 by and between CHARTER ONE FINANCIAL, INC. CHARTER MICHIGAN BANCORP, INC.Merger Agreement • May 18th, 1999 • Charter One Financial Inc • Savings institution, federally chartered • Delaware
1 Exhibit 2.2 STOCK OPTION AGREEMENT STOCK OPTION AGREEMENT, dated as of May 17, 1999, between Charter One Financial, Inc., a Delaware corporation ("Grantee"), and St. Paul Bancorp, Inc., a Delaware corporation ("Issuer"). W I T N E S S E T H:...Stock Option Agreement • May 18th, 1999 • Charter One Financial Inc • Savings institution, federally chartered • Delaware
